Card Reviews

Every card below has been tested by our team with real transactions. Some links are affiliate links — commissions never affect our rankings or scores.

SafePal x Fiat24

Mastercard

Best for：Swiss-licensed account, Alipay/WeChat OK

4.8 / 5.0

★★★★★

Swiss FINMA-licensed Fiat24 account
China mainland onboarding supported
Alipay / WeChat binding
USDC on 40+ chains, 0.4-0.6% fee
Multi-currency with zero FX fee

Fees：No issue or management feeApply Now

Bybit Card

Mastercard

Best for：CN ID KYC OK, 2-10% BTC cashback

4.6 / 5.0

★★★★★

China mainland ID accepted for KYC
2-10% cashback in BTC
Apple Pay / Google Pay supported
Instant crypto-to-fiat conversion

Fees：No issue fee, no monthly feeApply Now

WasabiCard

Mastercard

Best for：Mastercard BIN requirements

4.0 / 5.0

★★★★★

Mastercard BINs
Various top-up channels
Fast card issuance
Good for short-term use

Fees：Card from $5Apply Now

OKX Card

Mastercard

Best for：Zero fees for EEA/Singapore users

4.5 / 5.0

★★★★★

Zero transaction & FX fees (0.4% spread only)
2-10% USDG cashback
MiCA compliant
USDC/USDT/USDG top-up

Fees：No issue fee, no monthly feeApply Now

RedotPay

VISA

Best for：Zero top-up fee, multi-chain crypto

4.4 / 5.0

★★★★★

Virtual 10 USDT, physical 100 USDT
No monthly or top-up fee
1.2% FX fee on non-local spend
Binance Pay, $50M insurance
Not available in mainland China

Fees：Virtual card 10 USDT, no monthly feeApply Now

Binance Card

Mastercard

Best for：1-3% monthly USDC cashback

4.4 / 5.0

★★★★★

1-3% USDC cashback monthly
Apple Pay / Google Pay
Spend straight from exchange balance
Not available in CN/US/CA

Fees：Zero feesApply Now

Bitget Wallet Card

VISA

Best for：Up to 3% cashback (BTC/gold/stocks)

4.3 / 5.0

★★★★★

Cashback in BTC, gold, US stocks or USDC
Available in HK/TW/APAC
USDT/USDC top-up
Assetback model

Fees：Free to applyApply Now

Coinbase Card

VISA

Best for：Nasdaq-listed, top pick for US users

4.4 / 5.0

★★★★★

Only Nasdaq-listed compliant card
Zero FX & ATM fees
Up to 4% cashback
Spend USDC directly, 270+ assets

Fees：No issue feeApply Now

Wise Card

VISA

Best for：CN ID signup OK, 40+ currencies

4.5 / 5.0

★★★★★

China ID signup supported since Dec 2024
40+ currencies at mid-market rate
Up to 3 digital cards
Regulated by FCA and others
No physical card delivery to mainland China

Fees：Digital free, physical ~$7Apply Now

Nexo Card

Mastercard

Best for：Spend by borrowing, not selling

4.3 / 5.0

★★★★★

Borrow-while-spending model
0.5-2% BTC/NEXO cashback
BTC/ETH/NEXO/XRP backed
EEA/UK only

Fees：No monthly feeApply Now

Crypto.com Visa

VISA

Best for：Netflix/Spotify subscription rebates

4.3 / 5.0

★★★★★

0-5% CRO cashback (staking tiers)
Netflix/Spotify rebates on higher tiers
Airport lounge access
US/EEA/SG/AU and more

Fees：No annual fee (Standard)Apply Now

Gate Card

VISA

Best for：Up to 1% cashback, high limits

4.2 / 5.0

★★★★★

BTC/ETH/USDT top-up
Up to 1% cashback
EU & global availability
Exchange-backed, high limits

Fees：No issue feeApply Now

MEXC Card

VISA

Best for：4-10% USDT cashback + 7% APR

4.2 / 5.0

★★★★★

4-10% USDT cashback by tier
7% APR on card balance
USDT/BTC/ETH top-up
Global Card launched Aug 2026

Fees：No issue feeApply Now

PST.NET

VISA

Best for：For media buying, 25+ US/EU BINs

4.2 / 5.0

★★★★★

US/EU BINs incl. Sutton Bank
3% ad-spend cashback (PST Private)
18 cryptos incl. USDT/BTC
100 free virtual cards per month

Fees：Virtual card $1-3Apply Now

FotonCard

VISA

Best for：Email-only signup, 20+ BINs

4.0 / 5.0

★★★★★

Email-only signup, no KYC
20+ BIN options
6 years in operation, FB ads & Claude OK
$100 refundable deposit

Fees：$100 refundable depositApply Now

Wirex

VISA

Best for：Est. 2015, up to 8% WXT rewards

4.1 / 5.0

★★★★★

Veteran platform since 2015
Up to 8% WXT rewards
150+ cryptocurrencies
Visa/Mastercard options

Fees：From freeApply Now

Revolut

VISA

Best for：Full bank license, 5 plan tiers

4.4 / 5.0

★★★★★

Fully licensed digital bank
Multi-currency, investing & crypto
Single-use / merchant-locked virtual cards
Residents of supported countries only

Fees：Standard free, Plus £3.99/moApply Now

Gnosis Pay

VISA

Best for：MiCA-compliant self-custody (EEA)

4.2 / 5.0

★★★★★

True self-custody, on-chain settlement
0% FX, 0 transaction fee, 0 gas
1-5% GNO cashback
EURe euro stablecoin top-up
EEA/UK only

Fees：One-time €30 setupApply Now

Payoneer

Mastercard

Best for：Cross-border payouts & freelancers

4.0 / 5.0

★★★★★

Long-established payout platform
Mastercard physical & virtual cards
Multi-currency accounts (USD/EUR/GBP)
Best for users with overseas income

Fees：Depends on account typeApply Now

Privacy.com

VISA

Best for：The original virtual card for US users

4.3 / 5.0

★★★★★

Single-use / merchant-locked / capped cards
Up to 1% cashback
PCI-DSS compliant
US citizens/residents with US bank only

Fees：Personal free, Plus $5/moApply Now

MetaMask Card

Mastercard

Best for：Spend from self-custody wallet

4.0 / 5.0

★★★★★

Non-custodial, keys stay yours
1% USDC cashback
USDC/USDT/wETH on Linea
US/EEA/UK

Fees：Issued via BaanxApply Now

RDVCC

VISA

Best for：FB ads (MCC 7311 whitelisted)

3.9 / 5.0

★★★★★

Flat 0.5% top-up fee
No monthly fee
MCC 7311 whitelist, 99% FB ad approval
Chinese-language support

Fees：From $1, flat 0.5% top-up feeApply Now

Coinepay / Bpay

VISA

Best for：No-KYC instant issuance (compliance risk)

3.8 / 5.0

★★★★★

No KYC, instant card issuance
USDT (TRC20/BSC) & Alipay top-up
Works with ChatGPT/Claude subscriptions
Absorbed WildCard traffic
Compliance uncertain, keep balances small

Fees：Self-service, per-transaction feesApply Now

VirtCardPay

VISA

Best for：Register via Telegram bot

3.6 / 5.0

★★★★★

Register via Telegram bot
USDT (TRC20/BEP20) & TON top-up
50k+ active users
Russian-first community

Fees：Varies by card typeApply Now

Depay Virtual Card

VISA

Best for：Discontinued, withdrawals only

2.0 / 5.0

★★★★★

New signups/cards/top-ups halted since May 2023
Due to US bank crypto risk rules
Existing users: withdrawals only
See alternatives in our guides

Fees：Service discontinuedApply Now

NobePay Virtual Card

VISA

Best for：Pivoted away from virtual cards

2.0 / 5.0

★★★★★

Officially pivoted to other business
Former CN-market leader 2020-2023
Virtual card service ended
See alternatives in our guides

Fees：Service discontinuedApply Now

OneKey Card

VISA

Best for：Stopped alongside WildCard

2.0 / 5.0

★★★★★

Stopped issuing in 2025 with WildCard
OneKey wallet itself still active
Existing cards valid until expiry
See alternatives in our guides

Fees：Card issuance stoppedApply Now

WildCard

VISA

Best for：Shut down 2025-07, see alternatives

1.5 / 5.0

★★★★★

Ceased ops July 12, 2025 under regulator pressure
Was the largest CN-market virtual card
Rebranded WildAI (top-up only)
Balance refunds underway

Fees：Service discontinuedApply Now

Dupay

VISA

Best for：Shut down 2025-11, see alternatives

1.5 / 5.0

★★★★★

Announced full shutdown Nov 30, 2025
Compliance & fund-flow issues unresolved
Servers closed
Withdraw remaining balances ASAP

Fees：Service discontinuedApply Now

Infini Card

VISA

Best for：Shut down 2025-06, see alternatives

1.0 / 5.0

★★★★★

$49.5M hacked in Feb 2025
All card products stopped Jun 17, 2025
Card fees refunded
Pivoted to asset management

Fees：Service discontinuedApply Now

FomePay

VISA

Best for：Shut down 2024-07 (legal case)

1.0 / 5.0

★★★★★

Operators arrested July 2024
Illegal cross-border payment charges
¥10M+ funds frozen
391k accounts & 195k cards seized

Fees：Service discontinuedApply Now

51VCard

VISA

Best for：Suspected exit scam 2026

1.0 / 5.0

★★★★★

Widespread failed top-ups
Withdrawals stuck indefinitely
Support unreachable
Do not deposit

Fees：Service discontinuedApply Now